snufkin

On 25/07/2021 at 23:15, Metoo said:

We are in the process of buying a house with Westpac. They wanted to see the last 3 months pay slips. They already knew our bank details as we bank with them anyway.

I have been in my casual job for 5 yrs, hubby is on permanent contract for the past year in his current job.

Good luck with your move, very exciting times.

Metoo

Thank you...it is exciting so much to do and worrying about our flight too!  

9 hours ago, Tulip1 said:

I’ve no idea how Australia see non permanent jobs but in the U.K. you would struggle to get a mortgage with one.  Our countries seem to have many very similar laws/rules so it may well be the same. Your deposit may be nice but it doesn’t pay the monthly mortgage payment so wouldn’t be taken into account.  The bottom line is you have to document (as does the lender) ongoing affordability.    Like most things though if you look hard enough and are happy to pay a premium such things can often be found.  It would be a good idea to check out the criteria on some of the big banks/lenders websites.  I think casual/non permanent work would be similar to self employed status.   Self employed people do get mortgages of course but only once they can document a few years of accounts. 

Absolutely I will have a look....sometimes hard to find the details of employment/credit requirements

8 hours ago, Marisawright said:

You are right, I should have said “as soon as you can get a permanent job” and if there is a probationary period, they won’t look at you till that’s over

Good to know that credit rating is not be all and end all though! 

17 hours ago, can1983 said:

In my experience you need a permanent ongoing job that you have had for 3 months and not be in a probation period. Based on my experience 2 1/2 years ago.

Is that how long it took you to become permanent? 

I guess we will aim for getting permanent contracts after a three month probation I'm sure that's possible even if not easy!

18 hours ago, can1983 said:

Its probably a reasonable conclusion as stamp duty is into $10's of thousand.

But I cannot overstress how silly the market in all of tassie is at the moment. We have owned our house for 2 1/2 years and in that time it has risen by approximately 35% based on the recent sale of a neighbour's house and the real estate who represented the previous owner revaluing our house.

We literally would not be able to buy our house today and we have only owned it for such a short time

Market might be silly...but we're moving to Tassie and will buy a house. And that's life!

My question was actually how long before we could get a mortgage! 

Just now, Marisawright said:

That would end up costing you far more than renting for a year, more than likely.

Fair enough... haven't bought and sold in aus before, just thought with house prices rising etc! 

I guess the alternative would be to buy something much small outright and live for a year or so and then apply for mortgage later.

Would fees/stamp duty solicitors fees etc make that totally non-viable? 

8 hours ago, can1983 said:

I'm sure you are aware that buying a house at the moment in Hobart is very tricky, not impossible but very stressful. There isn't much for sale and what there is is hugely inflated. I can't see how you will avoid renting for a year or so to build up a credit rating and find a house you want to buy and the vendor agrees to sell to you and not to the other 10 offers they have received.

We moved over in October 2017 and weren't in a position to buy until mid 2018 in terms of mortgage we had 40% LTV. We found our house in November 2018 and moved in Feb 2019. In the meantime we had to rent (reluctantly).

We've been watching the market, but looking outside of Hobart (up to 45 mins away) and can stay with family in meantime. We did live in aus until 2015 so hopefully that gives us some credit history and we've kept our bank accounts running. Totally hear you about the vendors choosing someone else...I guess I'm more interested in when we are even be able to get a mortgage offer to start seriously looking. We both work in "stable" professions and my husband is from Hobart too and still have some work connections so hopefully he can get references. But thanks for the words of warnings we will be mentally prepared for a long wait! 

31 minutes ago, calNgary said:

I would imagine as a citizen with a 50% deposit you would be able to secure one as soon as you can provide proof of an income decent enough to cover repayments . But i am not an expert so hopefully someone with up to date knowledge will be along soon.

Where in Aus are you heading too?

 Cal x

Tassie, Hobart region... I hope that's the case too but hard to know in these uncertain times if they want a long Australian work record and permanent position of the bat. We're going to stay with family initially and I was hoping to not have to rent but get a mortgage asap and hopefully find a place we like, if the stars align for us. X

Hi,

We have been planning a return to Oz for ages and finally looks like it will happen

We (aus citizen and pr Brit) want to buy a house as soon as possible to get settled in. How soon after starting work can we get a mortgage considering that jobs are most likely to not be permanent to start with. We will have a 50% deposit on the LTV we are looking for. Is it possible to get a mortgage without a permanent position? If not how long do we need to be in a permanent position to get a loan.

Thanks 

3 hours ago, VERYSTORMY said:

Yes, as soon as you arrive you just need to go to centrelink and they will arrange a new card. You will get a temporary number on the day to use until your card arrives by post. 

Brilliant thank you for your help. Now to hope everything goes smoothly through the quarantine period!

Yes, it expires 2022. So I still have right of entry until then.

Hi,

I hope someone knows something about this and can help advise me. I've been googling and looking at the gov websites but it's not completely clear!

I am a permanent resident and my husband is a citizen but we haven't lived in Oz for the last few years. When I was in Oz I only had a temporary Medicare card which has long expired. We now are hoping to return to Oz in spring when I am around 7 months pregnant. But we worried about my lack of Medicare card and if I would be covered as soon as I arrive/apply for a new card as a resident or if like in some countries you have to have lived there for a period of time before you are covered by the health care.

Thanks in advance for any advice/info.

Thanks all.

 

So me, the Brit, not being settled in the UK yet seems to be the issue! How frustrating that as a British citizen I cannot bring my partner who I am marrying within a month of being home with me...so complicated!

 

Does anyone know whether he would need to be out of the EU entirely to apply for the visa...I'm thinking if we got married in the UK on a tourist visa/marriage visa then he could head to another european country while we apply for the spousal visa and then come back in the meantime while we await the decision....might that work? Or could we just apply for a normal partner defacto visa if there is such thing rather than a marriage/spousal one?

 

Worst case scenario looks like we'd have to get married in the UK on a tourist visa then he'd have to head back to Aus after our honeymoon in order to apply for the visa and have proof of flights back out of the UK so they could see he wouldn't be staying without a visa and border control wouldn't get their knickers in a twist.

 

Thanks so much for all your help!

We applied from Australia - i had to have a job starting within 3 months paying over £18 600 or something, proof of our relationship and evidence of where we would live in the uk!

I think we looked at if he could apply from an EU country also but he would need a visa in that country entitling him to stay there for at least 6 months, so wasn't going to work for us. If you have a job lined up and have been together for a while I am sure you can apply from Australia for a non-married spouse visa.

You are not applying for the 801 visa. You applied for the 801 two years ago at the same time that you applied for the 820. It simply takes two years before they process the 801 application. As such you are simply providing documents to allow them to finalise the application.

Okay , so then it shouldn't matter where I am?

Thanks for all your help I am going to collate my evidence and send it in and see what happens.

In addition to what the others have said: we applied for the second stage partner visa offshore, and the CO will probably ask you to provide a statement as to why you are not in Australia. Nothing arduous - we just submitted a page of A4 and they seemed happy with that.

Thanks Grecia, its al very confusing on the DIBP website it states that for 820/801 visa you have to be onshore to apply. my email states that the second stage visa is 100, 801 so I am hoping I can apply for it offshore and they will be understanding as to the circumstances.

on another note what happens when you renew your passport to your visa? I have to get a new passport ASAP and wondered if my visa will automatically be transfered to new passport (my 820 I mean) or if I need to tell DIBP separately to my new application for PR?

Thanks

I thought I would need to be resident in Australia to apply for this? If I don't then excellent!

Hi

I have searched but not found anyone who has been in my situation (or my searching wasn't good!) I entered Australia on a PMV and converted this to TR visa 2 years ago. 9 months ago my husband and I came back to the UK for a holiday but have stayed and found work as my mother was very unwell and I didn't want to leave and my husband agreed (he has right to work)

I have just received an email about converting my TR to PR.

My issue is that I am not resident in Australia right now and haven't been for 9 months, we hope to return to Australia one day but I don't know when.

Has anyone been in a similar situation and had an extension on their visa or still been granted PR? I could go back to Australia and apply for it, but I don't want to be away too long and I believe there is a long wait for TR-PR and I am not sure if that would be approved of anyway!

Any advice would be helpful - I will email DIBP and see what they say but I am not hopeful to get the answer I want!

Thanks

:rolleyes:

hi all just am updating...i got my pmv in december and have been in oz since end of december. got married in april and applied for my 820 temporary residence visa on 7th june and received it today 10 days later....not what i was expecting at all but very happy. i hadn't even finished adding all of the evidence...obviously had already included enough

You cannot teach in a WA school without teaching registration.

 

You cannot get registration unless you have four years of tertiary education, one year of which must be teacher training, university based.

 

The GTP is not recognised, so no, you cannot teach in a WA remote community school.

 

No school will even look at your application without the ability to obtain registration.

I know I can't get full registration with only the GTP, but I was asking about limited registration, if anyone has experience of this I would be interested to hear!

Ta

try googling hola its free and generally works well - at least thats what I use - I also have private internet access VPN but actually find that hola is smoother for 4od and iplayer.

Hi all,

Great thread..although I am in a totally different situation to most of you - I completed the dreaded GTP in the UK which is not recognised as a teaching qualification over here. Has anyone got experience of working on/getting limited registration - I am in remote WA and positions in community schools do arise, and I am thinking I should go for it and see what happens!

Cheers!

Hi all,

just to let you know I got my pmv today I applied on the 23/24th April. I did email my CO to let them know I would be heading to Oz for christmas and I got my Visa letter as a reply. So happy right now, feels like one less thing to worry about...so it will happy. Good luck to you all and hope you are happy in Australia xx

Stressfull times,, been away from my fiance for 8 months now due to financial set backs im just sending off my visa,, luckily enough its gone fast just hope i dont have to wait too long

Its a relief to get it away isn't it, but don't expect a short wait I have been waiting 7 months and hoping to get it after 8 months, but who knows. Hopefully you will be reunited soon!